SmileDirectClub

APR Financing

SmilePay™ makes financing easy.

With no credit checks, no forms to fill out, and 100% approval, SmilePay™ offers a convenient, affordable way to get a smile you love. Your monthly payment already reflects your state’s APR, which is listed below.

Rates for Care – Virtual care without office visits.

Alabama: 10.00% APR
Alaska: 10.00% APR
Arizona: 18.69% APR
Arkansas: 17.00% APR
California: 18.69% APR
Colorado: 18.69% APR
Connecticut: 18.69% APR
Delaware: 18.69% APR
District of Columbia: 18.69% APR
Florida: 18.69% APR
Georgia: 13.00% APR
Hawaii: 18.69% APR
Idaho: 18.69% APR
Illinois: 18.69% APR
Indiana: 18.69% APR
Iowa: 18.69% APR
Kansas: 18.69% APR
Kentucky: 18.69% APR
Louisiana: 18.00% APR
Maine: 18.00% APR
Maryland: 18.69% APR
Massachusetts: 18.69% APR
Michigan: 18.69% APR
Minnesota: 8.00% APR
Mississippi: 18.69% APR
Missouri: 18.69% APR
Montana: 18.69% APR
Nebraska: 18.00% APR
Nevada: 18.69% APR
New Hampshire: 18.69% APR
New Jersey: 18.69% APR
New Mexico: 18.69% APR
New York: 18.69% APR
North Carolina: 18.00% APR
North Dakota: 18.69% APR
Ohio: 18.69% APR
Oklahoma: 18.69% APR
Oregon: 18.69% APR
Pennsylvania: 18.69% APR
Rhode Island: 18.00% APR
South Carolina: 18.00% APR
South Dakota: 18.69% APR
Tennessee: 11.75% APR
Texas: 18.00% APR
Utah: 18.69% APR
Vermont: 18.69% APR
Virginia: 18.69% APR
Washington: 18.69% APR
West Virginia: 12.00% APR
Wisconsin: 18.69% APR
Wyoming: 18.69% APR

Rates for CarePlus – In-person + virtual care.

Alabama: 10.00% APR
Alaska: 10.00% APR
Arizona: 13.09% APR
Arkansas: 13.09% APR
California: 13.09% APR
Colorado: 13.09% APR
Connecticut: 13.09% APR
Delaware: 13.09% APR
District of Columbia: 13.09% APR
Florida: 13.09% APR
Georgia: 13.00% APR
Hawaii: 13.09% APR
Idaho: 13.09% APR
Illinois: 13.09% APR
Indiana: 13.09% APR
Iowa: 13.09% APR
Kansas: 13.09% APR
Kentucky: 13.09% APR
Louisiana: 13.09% APR
Maine: 13.09% APR
Maryland: 13.09% APR
Massachusetts: 13.09% APR
Michigan: 13.09% APR
Minnesota: 8.00% APR
Mississippi: 13.09% APR
Missouri: 13.09% APR
Montana: 13.09% APR
Nebraska: 13.09% APR
Nevada: 13.09% APR
New Hampshire: 13.09% APR
New Jersey: 13.09% APR
New Mexico: 13.09% APR
New York: 13.09% APR
North Carolina: 13.09% APR
North Dakota: 13.09% APR
Ohio: 13.09% APR
Oklahoma: 13.09% APR
Oregon: 13.09% APR
Pennsylvania: 13.09% APR
Rhode Island: 13.09% APR
South Carolina: 13.09% APR
South Dakota: 13.09% APR
Tennessee: 11.75% APR
Texas: 13.09% APR
Utah: 13.09% APR
Vermont: 13.09% APR
Virginia: 13.09% APR
Washington: 13.09% APR
West Virginia: 12.00% APR
Wisconsin: 13.09% APR
Wyoming: 13.09% APR